Credit card review
Wells Fargo Active Cash Student Credit Card Review
Wells FargoVisaStudentCash backNo annual fee0% intro APR
Wells Fargo Active Cash Student Credit Card earned 4.2 / 5 in our 2026 review. The Wells Fargo Active Cash Student Credit Card earns 2% on everything with no annual fee, a $200 cash rewards bonus welcome offer. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-05-01
TL;DR
Annual fee
$0
Signup bonus
$200
Top reward rate
2% on everything
Intro APR
0% for 15 mo
Issuer
Wells Fargo
Network
Visa
Min credit score
580
Fintiex rating
4.2 / 5
Pros
- +Unlimited 2% cash rewards on purchases
- +No annual fee
- +$200 cash rewards bonus after $1,000 in purchases in first 3 months
- +0% intro APR for 15 months on purchases and qualifying balance transfers
- +Cell phone protection (up to $600 per claim when you pay your phone bill with the card)
- +Designed for students with limited credit history
- +Access to Wells Fargo mobile app and online banking
- +Free FICO credit score access
Cons
- -3% foreign transaction fee (not ideal for studying abroad)
- -No travel rewards or points program
- -Student status required
- -2% flat rate (no bonus categories)
- -Wells Fargo's customer service reputation has been inconsistent
Rewards detail
everything else
2%
Rates and fees
Annual fee
$0
Purchase APR
20.24% to 30.24%
Variable, based on prime rate and creditworthiness
Intro APR
0% for 15 months
Balance transfer APR
20.24% to 30.24%
Cash advance APR
29.99%
Balance transfer fee
3%
Or $5 minimum, whichever is greater
Foreign transaction fee
3%
Who it's for
The Active Cash Student Credit Card is built for people who want a student, cash back, no annual fee or 0% intro apr card. Most approvals land at FICO 580 and above, but issuers prefer scores near 630. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best student cards roundup.
Compare with similar cards
Frequently asked questions
Does the Active Cash Student Credit Card have a foreign transaction fee?
Yes. The Wells Fargo Active Cash Student Credit Card charges a 3% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the Active Cash Student Credit Card?
Approvals typically start around a FICO score of 580, but Wells Fargo prefers 630 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Active Cash Student Credit Card signup bonus?
New cardholders earn $200 cash rewards bonus after spending $1,000 in the first few months. Fintiex values that at about $200 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Active Cash Student Credit Card have an intro APR?
Yes. The Wells Fargo Active Cash Student Credit Card offers a 15-month 0% intro APR. After the promo period ends, the standard variable APR of 20.24% to 30.24% applies. Pay off the balance before the intro window closes to avoid back interest.
How much is the annual fee on the Active Cash Student Credit Card?
$0. The Wells Fargo Active Cash Student Credit Card has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Active Cash Student Credit Card worth it?
Fintiex rates the Wells Fargo Active Cash Student Credit Card 4.2 out of 5 for 2026. It is best for student and cash back and no annual fee and 0% intro apr. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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